PEO 95% chance of beating Fully Insured
$159,458
median five-year savings
+21% expected savings
5th−$2,91125th$106,587 75th$193,60995th$225,015
Florida Health-Plan Funding Guide
Florida 2027 funding analysis by employer size
Plan year 2027 Rates used: PY2027 requested (filed) rates, not yet final
Compare your options based on what matters most: Year 1 cost, five-year savings, and the likelihood of outperforming Fully Insured.
10 Employees
10-employee funding analysis · 2027
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2027 Florida market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over 5 years
PEO95%
Level-Funded81%
Taft-Hartley0%
Five-year median savings versus staying Fully Insured
PEO $159,458
Level-Funded $133,634
Taft-Hartley −$67,621
5th to 95th percentile 25th to 75th Median
Level-Funded 81% chance of beating Fully Insured
$133,634
median five-year savings
+13% expected savings
5th−$212,66425th$41,412 75th$171,78995th$195,889
With additional cost containment: $139K to $251K more potential savings; win rate rises to ~96%.
Taft-Hartley 0% chance of beating Fully Insured
−$67,621
median five-year savings
-10% expected savings
5th−$102,20925th−$81,391 75th−$53,10695th−$32,852
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$912 per employee/month is the baseline. Every savings figure above is measured against it.Rates used: PY2027 requested (filed) rates, not yet final$0 saved
Day-one and five-year context
Lowest modeled day-one costPEO · ~28% cheaper
Highest modeled five-year medianPEO · $159,458
These are separate measures, not a recommendation or a single “best” pick. Probability, downside range, eligibility, administration, and risk tolerance also matter.
Cost containment: Reference-Based Pricing · Cash Pay · Centers of Excellence · Specialty Rx Management · Care Navigation · High-Cost Dialysis Carve-Out · Direct Primary Care. Most strategies do not affect employees’ provider access or care.
Illustrative profile: Average age (~42), average health, state-adjusted premium, and approximately 10 enrolled employees. Actual quotes and underwriting can materially change results.
2027 renewal assumption: 2027 small-group filed rate 12.01% (proposed, not yet final). Fully-insured renewal expectation used here: 8.6% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 10.5%.
30 Employees
30-employee funding analysis · 2027
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2027 Florida market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over 5 years
PEO95%
Level-Funded91%
Self-Funded Captive93%
Taft-Hartley0%
Five-year median savings versus staying Fully Insured
PEO $478,375
Level-Funded $570,491
Self-Funded Captive $518,221
Taft-Hartley −$202,862
5th to 95th percentile 25th to 75th Median
PEO 95% chance of beating Fully Insured
$478,375
median five-year savings
+21% expected savings
5th−$8,73425th$319,761 75th$580,82895th$675,046
Level-Funded 91% chance of beating Fully Insured
$570,491
median five-year savings
+24% expected savings
5th−$203,05225th$375,560 75th$657,09695th$726,016
With additional cost containment: $354K to $561K more potential savings; win rate rises to ~100%.
Self-Funded Captive 93% chance of beating Fully Insured
$518,221
median five-year savings
+23% expected savings
5th−$54,60325th$356,414 75th$613,43495th$701,695
With additional cost containment: $365K to $522K more potential savings; win rate rises to ~99%.
Taft-Hartley 0% chance of beating Fully Insured
−$202,862
median five-year savings
-10% expected savings
5th−$306,62625th−$244,174 75th−$159,31995th−$98,556
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$912 per employee/month is the baseline. Every savings figure above is measured against it.Rates used: PY2027 requested (filed) rates, not yet final$0 saved
Day-one and five-year context
Lowest modeled day-one costPEO · ~28% cheaper
Highest modeled five-year medianLevel-Funded · $570,491
These are separate measures, not a recommendation or a single “best” pick. Probability, downside range, eligibility, administration, and risk tolerance also matter.
Cost containment: Reference-Based Pricing · Cash Pay · Centers of Excellence · Specialty Rx Management · Care Navigation · High-Cost Dialysis Carve-Out · Direct Primary Care. Most strategies do not affect employees’ provider access or care.
Illustrative profile: Average age (~42), average health, state-adjusted premium, and approximately 30 enrolled employees. Actual quotes and underwriting can materially change results.
2027 renewal assumption: 2027 small-group filed rate 12.01% (proposed, not yet final). Fully-insured renewal expectation used here: 8.6% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 10.5%.
70 Employees
70-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 Florida market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over 5 years
PEO42%
Level-Funded92%
Self-Funded Captive100%
Taft-Hartley19%
Five-year median savings versus staying Fully Insured
PEO −$160,561
Level-Funded $390,201
Self-Funded Captive $536,438
Taft-Hartley −$730,622
5th to 95th percentile 25th to 75th Median
PEO 42% chance of beating Fully Insured
−$160,561
median five-year savings
-5% expected savings
5th−$1,637,68725th−$656,996 75th$394,27495th$1,652,945
Level-Funded 92% chance of beating Fully Insured
$390,201
median five-year savings
+11% expected savings
5th−$156,95825th$218,802 75th$683,96395th$1,627,513
With additional cost containment: $963K to $1.41M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$536,438
median five-year savings
+15% expected savings
5th$207,48225th$364,947 75th$837,43795th$1,798,998
With additional cost containment: $937K to $1.24M more potential savings; win rate rises to ~100%.
Taft-Hartley 19% chance of beating Fully Insured
−$730,622
median five-year savings
-14% expected savings
5th−$1,339,16525th−$1,057,617 75th−$206,91695th$1,027,066
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$912 per employee/month is the baseline. Every savings figure above is measured against it.Rates used: PY2027 requested (filed) rates, not yet final$0 saved
Day-one and five-year context
Lowest modeled day-one costSelf-Funded Captive · ~11% cheaper
Highest modeled five-year medianSelf-Funded Captive · $536,438
These are separate measures, not a recommendation or a single “best” pick. Probability, downside range, eligibility, administration, and risk tolerance also matter.
Cost containment: Reference-Based Pricing · Cash Pay · Centers of Excellence · Specialty Rx Management · Care Navigation · High-Cost Dialysis Carve-Out · Direct Primary Care. Most strategies do not affect employees’ provider access or care.
Illustrative profile: Average age (~42), average health, state-adjusted premium, and approximately 70 enrolled employees. Actual quotes and underwriting can materially change results.
2027 renewal assumption: 2027 small-group filed rate 12.01% (proposed, not yet final). Fully-insured renewal expectation used here: 8.6% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 10.5%.
150 Employees
150-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 Florida market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over 5 years
PEO35%
Self-Funded96%
Self-Funded Captive100%
Taft-Hartley22%
Five-year median savings versus staying Fully Insured
PEO −$711,716
Self-Funded $1,277,275
Self-Funded Captive $1,284,042
Taft-Hartley −$1,454,789
5th to 95th percentile 25th to 75th Median
PEO 35% chance of beating Fully Insured
−$711,716
median five-year savings
-9% expected savings
5th−$4,186,46225th−$1,917,258 75th$568,58695th$3,583,293
Self-Funded 96% chance of beating Fully Insured
$1,277,275
median five-year savings
+15% expected savings
5th$105,05125th$863,740 75th$1,846,67295th$3,624,476
With additional cost containment: $2.02M to $3.09M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$1,284,042
median five-year savings
+16% expected savings
5th$605,27425th$918,778 75th$1,914,92595th$3,874,209
With additional cost containment: $2.03M to $2.68M more potential savings; win rate rises to ~100%.
Taft-Hartley 22% chance of beating Fully Insured
−$1,454,789
median five-year savings
-14% expected savings
5th−$3,098,25425th−$2,280,908 75th−$234,71395th$2,591,671
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$912 per employee/month is the baseline. Every savings figure above is measured against it.Rates used: PY2027 requested (filed) rates, not yet final$0 saved
Day-one and five-year context
Lowest modeled day-one costSelf-Funded · ~12% cheaper
Highest modeled five-year medianSelf-Funded Captive · $1,284,042
These are separate measures, not a recommendation or a single “best” pick. Probability, downside range, eligibility, administration, and risk tolerance also matter.
Cost containment: Reference-Based Pricing · Cash Pay · Centers of Excellence · Specialty Rx Management · Care Navigation · High-Cost Dialysis Carve-Out · Direct Primary Care. Most strategies do not affect employees’ provider access or care.
Illustrative profile: Average age (~42), average health, state-adjusted premium, and approximately 150 enrolled employees. Actual quotes and underwriting can materially change results.
2027 renewal assumption: 2027 small-group filed rate 12.01% (proposed, not yet final). Fully-insured renewal expectation used here: 8.6% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 10.5%.
250 Employees
250-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 Florida market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over 5 years
PEO29%
Self-Funded99%
Self-Funded Captive100%
Taft-Hartley24%
Five-year median savings versus staying Fully Insured
PEO −$1,903,418
Self-Funded $2,258,100
Self-Funded Captive $2,312,716
Taft-Hartley −$2,369,949
5th to 95th percentile 25th to 75th Median
PEO 29% chance of beating Fully Insured
−$1,903,418
median five-year savings
-14% expected savings
5th−$8,108,15225th−$4,041,980 75th$456,89995th$5,534,514
Self-Funded 99% chance of beating Fully Insured
$2,258,100
median five-year savings
+16% expected savings
5th$866,64425th$1,659,912 75th$3,257,74195th$5,857,932
With additional cost containment: $3.34M to $5.04M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$2,312,716
median five-year savings
+17% expected savings
5th$1,092,33025th$1,659,835 75th$3,426,17295th$6,470,271
With additional cost containment: $3.39M to $4.49M more potential savings; win rate rises to ~100%.
Taft-Hartley 24% chance of beating Fully Insured
−$2,369,949
median five-year savings
-13% expected savings
5th−$5,315,77225th−$3,803,742 75th−$193,57095th$4,847,092
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$912 per employee/month is the baseline. Every savings figure above is measured against it.Rates used: PY2027 requested (filed) rates, not yet final$0 saved
Day-one and five-year context
Lowest modeled day-one costSelf-Funded · ~12% cheaper
Highest modeled five-year medianSelf-Funded Captive · $2,312,716
These are separate measures, not a recommendation or a single “best” pick. Probability, downside range, eligibility, administration, and risk tolerance also matter.
Cost containment: Reference-Based Pricing · Cash Pay · Centers of Excellence · Specialty Rx Management · Care Navigation · High-Cost Dialysis Carve-Out · Direct Primary Care. Most strategies do not affect employees’ provider access or care.
Illustrative profile: Average age (~42), average health, state-adjusted premium, and approximately 250 enrolled employees. Actual quotes and underwriting can materially change results.
2027 renewal assumption: 2027 small-group filed rate 12.01% (proposed, not yet final). Fully-insured renewal expectation used here: 8.6% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 10.5%.
500 Employees
500-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 Florida market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over 5 years
PEO26%
Self-Funded100%
Self-Funded Captive100%
Taft-Hartley19%
Five-year median savings versus staying Fully Insured
PEO −$3,764,192
Self-Funded $4,357,560
Self-Funded Captive $4,371,940
Taft-Hartley −$4,615,816
5th to 95th percentile 25th to 75th Median
PEO 26% chance of beating Fully Insured
−$3,764,192
median five-year savings
-15% expected savings
5th−$16,106,32025th−$7,656,809 75th$146,92395th$7,542,854
Self-Funded 100% chance of beating Fully Insured
$4,357,560
median five-year savings
+16% expected savings
5th$1,954,39925th$3,191,616 75th$6,300,12995th$11,444,391
With additional cost containment: $6.75M to $8.79M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$4,371,940
median five-year savings
+16% expected savings
5th$2,085,22625th$3,166,414 75th$6,362,80395th$11,699,382
With additional cost containment: $6.80M to $8.23M more potential savings; win rate rises to ~100%.
Taft-Hartley 19% chance of beating Fully Insured
−$4,615,816
median five-year savings
-14% expected savings
5th−$9,752,19725th−$7,204,650 75th−$1,355,53495th$5,591,554
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$912 per employee/month is the baseline. Every savings figure above is measured against it.Rates used: PY2027 requested (filed) rates, not yet final$0 saved
Day-one and five-year context
Lowest modeled day-one costSelf-Funded · ~12% cheaper
Highest modeled five-year medianSelf-Funded Captive · $4,371,940
These are separate measures, not a recommendation or a single “best” pick. Probability, downside range, eligibility, administration, and risk tolerance also matter.
Cost containment: Reference-Based Pricing · Cash Pay · Centers of Excellence · Specialty Rx Management · Care Navigation · High-Cost Dialysis Carve-Out · Direct Primary Care. Most strategies do not affect employees’ provider access or care.
Illustrative profile: Average age (~42), average health, state-adjusted premium, and approximately 500 enrolled employees. Actual quotes and underwriting can materially change results.
2027 renewal assumption: 2027 small-group filed rate 12.01% (proposed, not yet final). Fully-insured renewal expectation used here: 8.6% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 10.5%.
2026 analysis vs 2027
For 70-employee groups in Florida, the modeled median five-year savings for Self-Funded Captive moved from $492,430 to $536,438, and its modeled chance of beating Fully Insured stayed at 100%.
| Employees | PEO | Level-Funded | Self-Funded | Self-Funded Captive |
|---|---|---|---|---|
| 10 | $111,612 → $159,45891% → 95% odds | $88,903 → $133,63476% → 81% odds | Not modeled | Not modeled |
| 30 | $334,837 → $478,37591% → 95% odds | $418,135 → $570,49188% → 91% odds | Not modeled | $376,322 → $518,22191% → 93% odds |
| 70 | −$143,345 → −$160,56142% → 42% odds | $348,362 → $390,20192% → 92% odds | Not modeled | $492,430 → $536,438100% → 100% odds |
| 150 | −$635,404 → −$711,71635% → 35% odds | Not modeled | $1,140,322 → $1,277,27596% → 96% odds | $1,175,314 → $1,284,042100% → 100% odds |
| 250 | −$1,699,329 → −$1,903,41829% → 29% odds | Not modeled | $2,015,981 → $2,258,10099% → 99% odds | $2,112,990 → $2,312,716100% → 100% odds |
| 500 | −$3,360,586 → −$3,764,19226% → 26% odds | Not modeled | $3,890,331 → $4,357,560100% → 100% odds | $3,999,669 → $4,371,940100% → 100% odds |
Fully Insured baseline used: $814 → $912 per employee per month (PY2026 rates → PY2027 requested (filed) rates, not yet final). Taft-Hartley is priced as a fixed nationwide rate rather than a state-rate model, so it is not compared here.
View the archived 2026 Florida analysis (last year's model results, not current advice).
Illustrative model results, not a quote, a forecast or insurance, tax or legal advice. Actual premiums, claims, eligibility and underwriting vary by employer, and PY2027 requested (filed) rates can change before they are final.
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Use your own data or speak with a Benefitra advisor.